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If you are considering Chapter 13 bankruptcy or Chapter 7 bankruptcy and not sure what your first steps should be, know that you’re not alone. We are here to help. Please contact Georgia Bankruptcy Law Firm today to schedule a free consultation.

Georgia Bankruptcy Law Firm,
Brunswick, GA
Bankruptcy Law Services

Helping individuals and families regain control of their financial futures

Welcome to Georgia Bankruptcy Law Firm! For many families in the Brunswick, GA area, financial hardship may leave you uneasy and unsure of who you can turn to for your bankruptcy needs. We understand that bankruptcy can be a scary process, especially if you are doing it alone. But you don’t have to.

Located in Brunswick, GA, Georgia Bankruptcy Law Firm is a bankruptcy law firm helping hundreds of individuals and families regain financial control and have a fresh start in life. Offering affordable pricing and payment plans, bankruptcy attorney R. Flay Cabiness, II and Georgia Bankruptcy Law Firm have extensive experience helping people file Chapter 7 or Chapter 13 bankruptcy.

We will guide you every step of the way so that you get the fresh financial start that you deserve. Read more about our mission: “Helping individuals and families regain control of their financial futures.”

Take Back Your Life with
Georgia Bankruptcy Law Firm

Clear your debt, protect your assets, and move forward with confidence

Eliminate

  • Harassing creditor calls
  • Foreclosure threats
  • Wage and bank account seizures
  • Vehicle repossession
  • Utility shutoffs
  • IRS actions and lawsuits

Protect

  • Your home and vehicle
  • Your paycheck and future earnings
  • Your household essentials
  • Retirement and insurance funds
  • Social Security benefits
  • Tools you need for work
  • Your health and peace of mind

Discharge

  • Overwhelming credit card debt
  • Payday & personal loans
  • Medical bills
  • Certain tax debts
  • Bad mortgages & timeshares
  • Old judgments and fines
  • Stress, worry, and fear

Free Consultation

912-554-3774

GA Bankruptcy Services

Our GA’s Trusted Bankruptcy Attorney And His Team Specialize In

Our bankruptcy attorney and his team take the stress out of bankruptcy by handling all of the legalities involved in the process.
From preparing and filing the petition to advocating for you before the bankruptcy trustee and the court, we’ll provide the
caliber of representation you need to make everything as thorough, convenient, and favorable as possible

Chapter 7 Bankruptcy

Chapter 7, often called straight bankruptcy, is a liquidation process designed to help individuals eliminate most unsecured debts quickly and efficiently. For many people, it’s the fastest path to a clean slate in most cases, the process takes less than five months from filing to discharge.

What You Keep

Contrary to common fears, filing Chapter 7 does not mean you lose everything. Both the State of GA and the federal government offer exemptions that protect your home, car, household items, retirement accounts, and more.

When Chapter 7 May Be Right for You

  • You want to eliminate most unsecured debts (credit cards, medical bills, personal loans).
  • You have limited income and little or no non exempt property.
  • You want a quick, clean start without a repayment plan.

If it turns out that some of your assets aren’t fully exempt, we’ll explore Chapter 13 bankruptcy as an alternative, so you can keep what matters most while still finding relief from debt.

Georgia Bankruptcy Law Firm will carefully review your financial situation, explain every option, and guide you through the process step-by-step.

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Chapter 13 Bankruptcy

Chapter 13 is the chapter of the Bankruptcy Code that involves reorganization for individuals. Chapter 13 allows an individual to propose a plan to repay creditors over three to five years. In most cases, Chapter 13 allows you to pay your unsecured creditors (e.g., credit cards, medical debt, personal loans, etc.) only a fraction of what is owed. There are many reasons why Chapter 13 could be the right choice for you. Georgia Bankruptcy Law Firm will thoroughly review your options with you before you file.

Eligibility for Chapter 13 Bankruptcy

Unlike Chapter 7, most individuals qualify for Chapter 13 bankruptcy. The following are the main requirements to file Chapter 13 bankruptcy: 

1

You must have a source of income

Chapter 13 requires you to make monthly payments according to a Chapter 13 plan. You need a regular source of income to make these payments.

2

Your total debt balances must be below certain amounts As of April 1, 2025, the limits are $526,800 for unsecured debt and $1,580,125 for secured debt.
As long as you meet these requirements, you should qualify to file a Chapter 13 bankruptcy.
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Why Choose Georgia Bankruptcy Law Firm?

Proven experience, personal attention, and a clear path to a fresh financial start
Years of Combined Legal Experience
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Meet Your Legal Team

Dedicated advocates committed to guiding you through every step of the bankruptcy process

R. Flay Cabiness, II

Flay earned degrees in Political Science and Philosophy from North Carolina State University and a law degree from Mercer University in 1997, and is admitted to multiple Georgia courts while serving as a Deputy Magistrate Judge in Glynn County. He founded his own law firm in 2003, focusing on bankruptcy and general practice, and later expanded to multiple office locations. Originally from North Carolina, he now lives in Brunswick, Georgia with his family and remains active in his community.

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Get Out of Debt Now

912-554-3774

Video Testimonial

Client Stories in Their Own Words

Real Stories, Real Results

From Client to Advocates, Dedicated Legal Trust

My wife and I are extremely grateful for Mr. Flay and his office staff for all they did to help my wife with her disability case. I tried numerous lawyers to help me over the last 4 years, but all of them treated me just like a number and not a person. I could never get them to return calls or help me with all the issues you have when you file a disability claim. But this office is different!!! Their secret weapon is Mrs. Melanie. She is on IT!!!! She calls you back. She answers all your questions. She walks you thru stuff you don't understand. She goes over and beyond to make you feel SEEEN and HEARD when you are in a difficult situation. So, if you ever need help, try this office FIRST and you will be surprised at the Kind and Professional staff you have working for YOU!!!

jon young

The staff was very nice. This is my first time filing Bankruptcy, they told me how to get things done đź‘Ť and they will give you time but make sure it's ready by the extended due date. You have any questions they will be there to answer what you need to know and very patient. Aubrey, she nice and she made me laugh at times. Very professional business. I recommend R Flay Cabinets ll PC.

Sheila Rauls

I mostly met /spoke with Autumn, and she was amazing. Very attentive, and professional. I emailed her late on a weekend and got an instant response when I didnt expect a response until Monday. She was great, and very friendly. The few times I met with Nina (sorry if I butchered your name) she was amazing too! Very sweet and professional to. 10/10 would recommend this firm to others. Especially if you want kind, caring, and understanding people to represent you.

Miranda Harrison
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Frequently Asked Questions?

What is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy is a reorganization process that allows individuals with regular income to repay all or a portion of their debts through a structured payment plan lasting three to five years. Instead of liquidating assets, Chapter 13 helps you catch up on missed payments, protect your property, and often pay unsecured debts—such as credit cards and medical bills—at a reduced amount.

Chapter 7 bankruptcy involves liquidation and is sometimes called straight bankruptcy. For most people, a Chapter 7 bankruptcy filing is a fairly simple and quick proceeding. In most cases, it takes less than three months after filing for an individual to receive a discharge of debts.

Most individuals and businesses can file for bankruptcy if they meet certain requirements, which depend on the type of bankruptcy. An attorney can evaluate your specific financial situation to determine your eligibility and the most appropriate chapter to file.
Married couples have the option to file a joint bankruptcy petition, which is often more efficient and cost-effective than filing separately. It combines your debts and assets into a single case, but it is not required. You can discuss the pros and cons of joint versus individual filing with your attorney.

The duration of a bankruptcy case varies by chapter. A typical Chapter 7 case is completed in about three months. A Chapter 13 case, which involves a repayment plan, generally lasts between three to five years from the date the plan is confirmed by the court.

Bankruptcy laws are federal, but GA exemptions protect certain assets like equity in your home, a vehicle, and personal belongings. The immediate impact is an automatic stay that stops collection actions, providing relief. In the long term, it can offer a fresh start while allowing you to retain essential property under GA law.
Yes, but there are waiting periods between filings. The length of time depends on the chapter you previously filed and the chapter you wish to file now. For example, you must typically wait eight years after a prior Chapter 7 discharge to file another Chapter 7 case. An attorney can advise you on your specific timing.
Not necessarily. In a Chapter 7 case, many assets are protected by state and federal exemption laws. In GA, exemptions can shield your home, car, retirement accounts, and household goods. In a Chapter 13 case, you typically keep all your assets while repaying a portion of your debts through a court-approved plan.

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